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Essays on consumer finance and political economy

Hou, Jialin (2023) Essays on consumer finance and political economy. Doctoral Dissertation, University of Pittsburgh. (Unpublished)

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In Chapter One, I study the causal effect of consumer credit access on households' healthcare expenditures. I estimate such an effect using a simulated instrumental variable design on my assembled MEPS-credit data and measure the policy effect of a stimulus loan using a life-cycle model.

In Chapter Two, my coauthor and I study the impact of mortgage credit standards on households' homeownership. We discover such an impact using a difference-in-differences regression on the Experian consumer credit panel and Freddie Mac's Single-family Loan-level dataset. We construct a life-cycle housing model to quantitatively measure the impact.

In Chapter Three, my coauthors and I study the polarization of the Ukrainian Parliament. We compare two methodologies in identifying polarization using roll call votes data: the ideal points model and the community detection algorithm.


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Item Type: University of Pittsburgh ETD
Status: Unpublished
CreatorsEmailPitt UsernameORCID
Hou, Jialinjih95@pitt.edujih95
ETD Committee:
TitleMemberEmail AddressPitt UsernameORCID
Committee ChairAlbanesi,
Committee MemberMylovanov,
Committee MemberRipoll,
Committee MemberDrake,
Date: 6 September 2023
Date Type: Publication
Defense Date: 13 July 2023
Approval Date: 6 September 2023
Submission Date: 3 August 2023
Access Restriction: No restriction; Release the ETD for access worldwide immediately.
Number of Pages: 125
Institution: University of Pittsburgh
Schools and Programs: Dietrich School of Arts and Sciences > Economics
Degree: PhD - Doctor of Philosophy
Thesis Type: Doctoral Dissertation
Refereed: Yes
Uncontrolled Keywords: consumer credit access
Date Deposited: 06 Sep 2023 16:20
Last Modified: 06 Sep 2023 16:20


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